EXHIBIT 3.20

                           ARTICLES OF INCORPORATION
                           -------------------------

                                      OF
                                      --

                             OVLC FINANCIAL CORP.
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     FIRST:  The name of the corporation is OVLC Financial Corp.

     SECOND:  The purpose of this corporation is to engage in any lawful act or
activity for which a corporation may be organized under the General Corporation
Law of California other than the banking business, the trust company business,
or the practice of a profession permitted to be incorporated by the California
Corporations Code.

     THIRD:  The name of this corporation's initial agent for service of process
in the State of California is James A. Husband. Address 15821 Ventura Blvd., 
Suite 550, Encino, California 91436.

     FOURTH:  The total number of shares which the corporation is authorized to
issue is one thousand (1,000) common shares of the par value of One Dollar
($1.00) each.

     FIFTH:  This corporation is a close corporation.  All of the corporation's
issued shares shall be held of record by not more than thirty-five (35) persons.

     IN WITNESS WHEREOF, the undersigned have executed these articles this 16th
day of March, 1993.



                                         INCORPORATOR:

                                         /s/ Linda L. Blanton
                                         ___________________________________
                                         Linda L. Blanton 





Articles of Incorporation - California                                 solo page
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